Direct Deposit

Related Links

FAQs

General

iGObanking.com® is an online division of Flushing Bank that enables consumers to open and fund deposit accounts directly from the convenience of their personal computer. Additionally, it's a simple and smart way to actively control your money online while earning a highly-competitive interest rate on a savings or CD account.

Yes, deposits on iGObanking.com®, a division of Flushing Bank, are FDIC insured up to the maximum allowable limits! For further information on our FDIC insurance, click on http://www.fdic.gov. iGObanking.com®, a division of Flushing Bank is regulated by the NYS Department of Financial Services and the Federal Deposit Insurance Corporation.

You will receive an email with an “Account Ownership Verification” link to verify your trial deposits. It takes 2-3 days for the two small deposits to be made to the account you chose for funding. When you see that these deposits have been made, click on the link contained in the email to verify the deposit amounts and that you are the account owner. After verification, funds will be transferred from your existing account to your new iGObanking.com® account.

Savings Accounts

A savings account is a secure place to put your money and earn a small amount of interest on a monthly basis. Most financial institutions offer these accounts to first-time investors and others looking to save for the future.

The biggest difference between a regular savings account and an online
savings account is the rates. Traditionally, people seeking a savings
account had to resort to their local financial institution and settle on
low interest rates. But now sites like iGObanking.com®
have made high interest online savings accounts a more desirable way to
save.

To open your iGO high yield CD and take advantage of our great CD
interest rates, click on "iGO open my account" on the iGObanking.com®
homepage, then follow the six easy steps to complete your high yield CD
account application.

Yes, Early withdrawal penalties may apply. A penalty may be imposed for withdrawals before maturity. Penalty may reduce principal.

If your account has an original maturity of three months to less than one year: The fee we may impose will equal three months simple interest on the amount withdrawn subject to penalty.

If your account has an original maturity between one year and less than three years: The fee we may impose will equal six months simple interest on the amount withdrawn subject to penalty.

If your account has an original maturity between three years and less than seven years: The fee we may impose will equal one year simple interest on the amount withdrawn subject to penalty.

If your account has an original maturity of seven years or greater: The fee we may impose will equal the loss of either all interest earned on the amount withdrawn or half the interest amount that would have been earned on the amount withdrawn during the entire term of the certificate, whichever is greater.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty.

To close your iGOcd account during the grace period either complete and return via postal mail the CD maturity instructions form (provided as part of your CD maturity notice) or send your request by using the contact us form (email address submitted must be the email Address of Record). Please refer to your CD maturity notice, and based on the choices listed, instruct the Bank accordingly.

Contact us by telephone at 888.432.5890 or use our contact form. Additionally, you can inform us by mail at iGObanking.com, P.O. Box 9000, East Meadow, NY 11554. Upon receipt of your inquiry, you will receive a confirmation response within 24 hours.

- or you can contact us by telephone at 888.432.5890. Additionally, you can inform us by mail at iGObanking.com, P.O. Box 9000, East Meadow, NY 11554. Upon receipt of your inquiry, you will receive a confirmation response within 24 hours.

eStatements

eStatements is a service provided by iGObanking®. As an iGObanking® Online Banking user, you have the option to view your eStatements during your Online Banking session. In addition, iGObanking® will send you an email notification each time a new eStatement is available.

You can access your eStatements within your iGO Online Banking session. As an eStatement Client, you will receive emails when your monthly eStatement is available. To access your monthly eStatement, simply click the link embedded in the email.

FDIC FAQ

iGObanking.com® is the online division of Flushing Bank. Flushing Bank is an FDIC insured institution established in 1929, serving the New York area for over 80 years. Accounts at iGObanking.com ® are FDIC insured up to the maximum allowable limits. Flushing Bank’s corporate headquarters are located at 220 RXR Plaza, Uniondale, NY 11556.

Yes, your IRA deposits at iGObanking.com® are FDIC insured up to $250,000 per depositor. This includes all IRA CD's combined within each Traditional and Roth and is in addition to the $250,000 non-IRA FDIC insurance.

The standard insurance amount is $250,000 per depositor.

iGObanking.com® is a division of Flushing Bank. Flushing Bank is registered with the FDIC under the certificate number 58564. You can learn more at http://www.fdic.gov/

At www.myFDICinsurance.gov
this sites features updated versions of the FDIC's Electronic Deposit
Insurance Estimator, an interactive tool that a bank customer can use to
calculate deposit insurance coverage.

Yes www.fdicseguro.gov.
This sites features updated versions of the FDIC's Electronic Deposit
Insurance Estimator, an interactive tool that a bank customer can use to
calculate deposit insurance coverage.

Yes, there is. A free CD of the FDIC's "Money Smart for Young Adults", a
financial education program for use by teachers and parents to explain
the basics of good money management to youths between the ages of 12 and
20 is available at www.fdic.gov/consumers/consumer/moneysmart/young.html.

A beneficiary is the person, charity, estate or trust that will take
ownership of the plan and its funds when the owner passes away. When
opening an IRA, it's important to designate a beneficiary or
beneficiaries. Please view the plan documents for more details.

Yes, your IRA deposits at iGObanking.com® are FDIC insured up to $250,000 per depositor. This includes all IRA CD's combined within each Traditional and Roth and is in addition to the $100,000 non-IRA FDIC insurance. iGObanking.com® is a division of Flushing Bank. Flushing Bank is registered with the FDIC under the certificate number 58564. You can learn more at http://www.fdic.gov.

The iGObanking ® Online Banking Agreement describes the
terms and conditions required to use our iGO Online Banking channel.
First-time users must read and agree to the Online Banking Agreement
before using iGO Online Banking. After your initial acceptance, you are
consenting to the Agreement every time you log in to iGO Online Banking.
Acceptance of the Online Banking Agreement is required to use iGO
Online Banking.

If you forget your password, click on Forgot your password? and follow the steps to have your password reset. If you need further assistance, use our contact us form or call iGObanking's Customer Support during regular business hours (Monday to Sunday - 7:00 a.m. to 11:00 p.m. ET) at 888.432.5890.

You are responsible for all transfers and other transactions you
authorize using iGO Online Banking. If you permit other people to use
your Customer ID and Password to access iGO Online Banking you are
responsible for any resulting transactions from your linked accounts. We
will not be liable for and will not reimburse you for any losses that
may occur as a result of this authorized use of your Customer Number and
Password. You are responsible for keeping your Customer Number and
Password confidential.

Yes, with iGO Online Banking, you have access to your account
information 24 hours a day, 7 days a week! The balance and history
information is current and the Account Summary transaction information
is as of the last business day.

Online Checking

An online checking account is an electronic transactional account that
offers access to your funds via an ATM card, a Debit card, or by using
Bill Payment and Presentment. An iGOchecking® account is the ideal
compliment to an iGOsavings® and/or iGOcd® account.

No, the iGOchecking® account is a "checkless" account using state of the
art electronic services. Your funds may be accessed via an
iGOdebitcard®, or by using Bill Payment and Presentment. By not offering
paper checks, you automatically add additional security against lost,
stolen or misused paper checks.

There is no limit to the number of verified accounts you can set
up to make deposits into your iGOchecking® account. Just click "Add an
external account” to add a new account to your Transfer Funds profile.

To add a joint applicant to your account, please complete a manual application. The application must be signed by both the Primary and the Joint applicant(s), and include two pieces of ID (driver’s license, passport, etc.) along with proof of address for the joint applicant (Utility bill – phone, electric or gas bill, or bank statement). Mail the required documents to:

You are offered an unlimited number of internal transfers from your
iGOchecking® account, however, your iGOsavings® account is limited to
six (6) transfers per statement cycle, of which, no more than three
(3)may be made by debit card or similar order made by the depositor and
payable to third parties.

You are offered an unlimited number of internal transfers from your
iGOchecking® account; however, your iGOsavings® account is limited to
six (6) transfer per statement cycle including no more than three (3)
may be made by debit card or similar order made by the depositor and
payable to third parties.

Yes, the two (2) required items to set-up a direct deposit are
iGObanking.com’s Routing & Transit Number (026072928), and your
iGOchecking® account number. This is a simple and easy way to actively
control your money.

Security

Our iGO Online Banking System is secure. In fact, our iGO Online Banking
customers are required to use a browser with one of the highest forms
of encryption available for today's popular browsers. This means that
information passing from your computer to our server is scrambled,
making it virtually impossible for anyone to access your account
information. Our iGO online banking system uses 'Multifactor
Authentication', which protects against phishing, pharming and
dictionary attacks, as well as keystroke logging viruses. This system
protects against online fraud by providing an additional end user
authentication 'factor' beyond the customer number and password logons.
Multifactor Authentication works by recognizing the computer terminal
that you used to sign up for iGO Online Banking. If you use another
computer to logon to iGO online banking, our system will recognize this
and ask you to answer a series of security questions that you had set up
when initially signing up for iGO Online Banking.

You will need the latest version of Netscape Navigator or Microsoft
Internet Explorer, along with an additional security download from
Microsoft (Service Pack 2) to ensure a maximum (128-Bit) encryption. You
must also have JavaScript enabled on your browser. Visit http://www.microsoft.com/windows/ie/default.mspx
for free downloads.

You can access your iGO Online Banking accounts anywhere you have
Internet access and a 128-bit browser. In order to view your accounts
you will be required to answer a series of security questions that you
had set up when you initially signed up for iGO Online Banking. After
you have completed these security questions you will be given the option
to enroll that computer in addition to your original terminal.

NEVER provide personal identifying information in response to an unsolicited request. iGObanking.com will never ask or solicit you for any information pertaining to your passwords or debit/ATM/credit card(s). If you suspect that you have been the victim of fraudulent internet activity, contact iGObanking.com® using our contact form, and the Federal Trade Commission at www.consumer.gov/idtheft or by calling 1-877-IDTHEFT immediately.

Send your instructions by using the contact us form. Please state the beneficiary's name you wish to delete, their relationship to the account holder, and the last four-digits of your Social Security number. You can also send the request in writing to iGObanking.com at P.O. Box 9000, East Meadow, NY 11554.

All deposits and withdrawals are initiated during your internet banking session online.

By clicking onto the "Transfer Funds" link, select an external account to transfer funds to or from your iGObanking.com® accounts.

To make a deposit from an external account into your online savings or money market savings accounts, select from one of your verified existing accounts or click "Manage Accounts", then click "Add an external account" to add a new account from your other financial institution.

Initiating a withdrawal from your iGObanking.com® savings account involves a similar process: in the "Transfer Funds" section, select your iGObanking.com® account; then select the appropriate external account you wish to transfer the funds to.

Yes, the two required items to set-up a direct deposit are iGObanking's Routing & Transit Number (026072928), and your iGObanking.com® account number. This is a simple and easy way to actively control your money and watch your savings grow.

After logging into your iGObanking.com account, click onto the Bill
Payment tab. Click onto the "Click here to sign up for Bill Payment"
link on the page. Answer a few simple questions, and then you are
enrolled.

After enrolling for Bill Payment, you will first receive an approval
email. Once your account has been enabled, you will receive a Welcome
email indicating that you may begin using your Bill Pay &
Presentment service.

Anyone in the United States and its territories who can accept a check
(with the exception of tax payments such as federal, state and local),
court-directed payments (such as alimony and child support), and any
other government related payments.